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University Pension Schemes

USS Update

For the latest update and developments with USS, please refer to the USS Update webpage. 

Pre-Retirement Workshops

Planning your future pre-retirement - Financial Session

Research has shown that both financial considerations and social and emotional impacts are important when planning for retirement.

These webinars are provided by Planned Future Workplace Financial Wellbeing. Planned Future have worked with many UK HEIs, and are now offering these free webinars for St Andrews Staff who are considering retiring in the next couple of years. The webinars help support employees approaching retirement. Courses will cover both financial and emotional considerations.

More information can be found on the OSDS page.

Love Later Life

The workshop is for everyone who wants to think about how to get the most out of later life.  By planning ahead, you will be able to look ahead with confidence to what the future offers.

You will have the opportunity to reflect on the factors to consider when the time comes to stop working.

More information can be found on the OSDS page.

University Pension Schemes

The University offers the following pension schemes - 

University of St Andrews Superannuation & Life Assurance Scheme (S&LAS)

  • You can join this scheme if you are employed by the University in a post which falls into Grades 1-5 (inclusive). To join the S&LAS, please return the application form which is included in your information pack when you join the University.

Universities Superannuation Scheme (USS)

  • You will be automatically enrolled into USS if you are on a post which falls into Grades 6-9 (inclusive).   

NOW: Pensions

  • You will be automatically enrolled into NOW: Pensions if you are Grades 1 - 5 (inclusive), and have not joined the S&LAS Pension Scheme.

Salary Sacrifice

From 1 April 2008, the University introduced salary sacrifice as a more effective way of contributing to your pension and saving for your retirement.  For more information on salary sacrifice, please see the Salary Sacrifice Policy.

Other information

For more information about pensions, please contact Lisa Harley, Pensions Administrator, on ext 2546 or by email (